Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $937Fees | 0.025%Below | 14 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,626Fees | 0.363%Below | 12 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $61Fees | 0.012%Below | 23 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Sound | $371Fees | 0.497%Below | 10 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,920Fees | 0.160%Above | 206 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,644Fees | 0.176%Above | 172 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,858Fees | 0.578%Above | 53 | |
8 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,812Fees | 0.159%Above | 14 | |
9 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,010Fees | 0.526%Above | 77 | |
10 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,207Fees | 0.575%Above | 41 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,374Fees | 0.114%Above | 17 | |
12 | Zions Bancorporation, N.A.Bank | Strong | Strong | Strong | Sound | Sound | $2,299Fees | 0.150%Above | 15 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,871Fees | 0.424%Above | 49 | |
14 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,948Fees | 0.199%Above | 38 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,063Fees | 0.368%Above | 20 | |
16 | SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,691Fees | 0.382%Above | 11 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,986Fees | 0.479%Above | 25 | |
18 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,483Fees | 0.310%Above | 21 | |
19 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,656Fees | 0.342%Above | 18 | |
20 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $3,852Fees | 0.194%Above | 12 | |
21 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $3,010Fees | 0.754%Above | 10 | |
22 | OneAZ Credit UnionCredit Union | Strong | Acceptable | Strong | Sound | Strong | $847Fees | 0.073%Above | 37 | |
23 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,422Fees | 0.838%Above | 27 | |
24 | STARBOARD FINANCIAL MANAGEMENT, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $3,283Fees | 0.380%Above | 18 | |
25 | Wallick & Volk, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,759Fees | 0.662%Above | 14 | |
26 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $5,032Fees | 0.869%Above | 11 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.